Osper review
Our verdict
Discover the modern way of giving your kids pocket money.
Osper is one of a range of prepaid debit cards with an app that are on the market now, but it does have a comprehensive offering. There are all the features you would expect - the ability to load money onto the card via the app, set parental controls and monitor children's spending. It's a nice touch that kids can also use the app, as well as choose to save a portion of the funds that their parents have given them. With prices very similar to its competitors, Osper is a solid choice.
Get started by visiting Osper's website and ordering a card. If you have read this review and decided that Opser's card is not for you, you can also discover other prepaid cards for kids on the market.
Pros
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Both parents and children can use the mobile app.
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Parental controls on spending.
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Option for kids to put aside money to save.
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Up to four cards per household available.
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Fees on a par with similar providers.
Cons
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Fees for card use abroad – £2 per ATM withdrawal and a 3% surcharge on purchases.
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50p charge for an instant card load (outside of the free pre-set automatic load each week or month).
Osper is a prepaid debit card for children that parents can review and control from an app on their phone. The idea is that kids will learn to spend and save their pocket money more wisely.
Is Osper any good? We take a look at its features and what it can offer you and your children.
What is Osper?
Osper offers mobile banking for families. Children have the independence of owning their own card, which parents can set up with a regular allowance. In essence, it’s a modern way of giving pocket money.
What makes it especially modern is the fact both children and parents can use a mobile app that is linked to the card. Osper also offers custom Nickelodeon cards with favourite characters such as SpongeBob SquarePants, Teenage Mutant Ninja Turtles and JoJo Siwa. Below, we take a look at the specific features the app offers. Osper has been featured on our best debit cards for kids guide.
How do I get an Osper card?
- Head online and fill out the quick application form. You will need to provide some personal information so Osper can run a quick identity check. You’ll also need to give your child’s name.
- If accepted, card delivery takes between 5 and 7 days.
- Activate the card in the app. You will need an iOS or android device.
- Then simply load the money onto the prepaid debit card. Your child can use the card anywhere that takes Mastercard debit card, both at home or abroad.
- The first month is free, but it will cost £1.95 per child per month afterwards (with Finder discount – normally £2.50 a month).
How does Osper work?
- Prepaid debit card
- Custom card designs
- Automated pocket money
- Spending insights
- Parental controls
- Savings options
- Age-restricted sales
Prepaid debit card
Your child’s name is embossed onto the card, and it’s prepaid, so they can only spend what’s on there, with no overdrafts.
Custom card designs
Osper has partnered with Nickelodeon so your child can choose from a huge range of card designs, including Spongebob and JoJo.
Automated pocket money
You can set up a weekly or monthly allowance for your child, and you can pay in money instantly if there’s an emergency or if your child has earned it.
Spending insights
Through the app, you can monitor what your child is spending where and compare this month to month. Your child can tag their spending with categories to make things even clearer.
Parental controls
You can set daily spending limits or instantly lock your child’s card if it’s been misplaced or stolen. You can also decide whether you want your child to be able to use their card to shop online or not.
Savings options
Your child can set up a monthly savings option, which automatically takes a chosen percentage of their funds out each month. Osper also has a savings goals feature to help them save towards something they want.
Age-restricted sales
Your child won’t be able to use their card in certain places, such as bars, casinos, gambling sites or massage parlours.
What does the Osper app look like?
Is Osper safe?
As this is a card for your child, safety will be one of your top priorities. As already mentioned, the card can be frozen in the app should it go missing. Osper also offers a range of other safety features:
- Blocked merchants. Certain shops and businesses are automatically blocked, so your child can’t use the card in places like bars, casinos, massage parlours or on gambling sites.
- Online shopping. Parents decide whether their child can use it to shop online.
- No overdrafts. As it’s a prepaid card, there’s no overdraft facility whatsoever.
- Text alerts. Osper will send you a text if a transaction has been declined, so you can closely monitor your child’s spending and any inappropriate transactions.
- Spending limits. You can place daily limits on how much money can be put in or taken out.
- Total parent oversight. Parents get real-time oversight of transactions in their app.
Osper’s fees and features
 Osper | |
| Monthly fee | £2.50 |
| Card delivery fee | £0 |
| UK card transaction fee | £0 |
| UK cash withdrawal fee | £0 |
| Loading fee | Direct debit free. 50p per instant load |
| Replacement card fee | £4 |
| Network | Mastercard |
| Account type | debit |
| How many child accounts | 4 |
| Other fees | 50p per load from friends/family. £6.99 for a third party branded card |
| Freeze/unfreeze card |
Osper’s customer reviews
In our 2025 customer satisfaction survey, Osper was a Customer Service Champion, with 90% of its users saying they would recommend it.
The Osper app has a rating of 4.3 out of 5 from almost 1,200 reviews on the Apple App Store. This was checked in March 2025.
Customer service information for Osper
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
Frequently asked questions
Apple App Store,https://www.finder.com/uk/banking/childrens-banking/finder-kids-cards-customer-satisfaction-awards-2025
Google Play Store,
Sources
